here radio host of the ramsey show and author of "baby step millionaires." all right, daveif you are taking baby steps to be a millionaire how do you do that so quickly? >> well, i don't know how speaker pelosi did it. apparently her net worth is somewhere north of half a billion. 500 times a millionaire. so she is not our typical baby steps millionaire for sure. apparently her husband is very, very good at investing from what i hear in the rumors. but, you know, the difference is that millionaire used to be what we called rich. and like from the 1920s, prior to the stock market crash to be a millionaire in america at that time was somewhat equivalent to be a billionaire today. and so when we think of millionaire it used to be the stamp we said hey, that's rich. now we think a billionaire. millionaires don't have jets. millionaires don't have seven cars. millionaires don't have multiple houses. they have one nice paid for house and a big 401(k). that's a millionaire. billionaires, however, have a thousand million. and so you can't compare yourself to folks like speaker pelo